Capital One Platinum vs Discover It

Compare Rewards, Interest Rates, Fees, and Benefits

Capital One Platinum is a good no annual fee credit card for people with average credit.. How does it compare to Discover It, a cash back credit card? Read our comparison chart below.

	Capital One® Platinum Credit Card	Discover it® Cash Back

	Credit Card Interest Rates & Fees
Introductory APR for Purchases	N/A	0% introductory APR for 14 months
Introductory APR for Balance Transfers	N/A	0% introductory APR for 14 months
Purchase APR	24.99% (Variable) based on your creditworthiness and other factors	11.99% to 22.99% Variable based on your creditworthiness and other factors
Balance Transfers APR	24.99% (Variable) based on your creditworthiness and other factors	11.99% to 22.99% Variable based on your creditworthiness and other factors
Balance Transfer Fee	No balance transfer fee	3% of the amount of each transfer.
Foreign Transaction Fee	No foreign transaction fee	No foreign transaction fee
Annual Fee	$0 annual fee	$0 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Cash Back		Discover will match all the cash back you've earned at the end of your first year (only for new cardmembers).
Cash Back Rewards		1% cash back on all other purchases.
Bonus Cash Back		5% cash back on up to $1,500 in purchases in rotating categories that change each quarter (requires free and easy sign-up for 5% Cashback Bonus)* Limitations apply. See issuer's website for additional program details. Bonus Categories for 2020:* January - March 2020: Grocery Stores, Walgreens & CVS April - June 2020: Gas Stations, Uber, Lyft & Wholesale Clubs July - September 2020: Restaurants & PayPal October - December 2020: Amazon.com, Walmart.com & Target.com
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: No Annual Fee Cons: No rewards No intro APR	Pros: 5% bonus rotating categories Intro APR on purchases and balance transfers No foreign transaction fee No annual fee Cons: Some merchants don't accept Discover
Bottom Line	Good no annual fee credit card for people with average credit... Read full review	Excellent cash back credit card with no annual fee and low interest rate... Read full review
	Read Capital One Platinum Review	Read Discover It Review
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Disclaimer: The information for the Capital One® Platinum Credit Card and Discover it® Cash Back has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. Capital One Platinum: Pricing information including interest rates, rewards, benefits and fees was obtained on June 8, 2020 from published websites and is believed to be accurate, but not guaranteed. Discover It: Pricing information including interest rates, rewards, benefits and fees was obtained on April 1, 2020 from published websites and is believed to be accurate, but not guaranteed.

Articles on Capital One® Platinum Credit Card

Capital One Platinum

Capital One® Platinum Credit Card is a no-frills, no annual fee credit card for people with average credit. Read this review before you apply.

Articles on Discover it® Cash Back

Discover It Credit Card Review

With bonus cash back, low interest rate and no annual fee, Discover It is a good card for many. Is it right for you? Read on for the pros and cons.

Is Discover It a Good Credit Card

Is Discover It worth it? The most popular offering by Discover can be well worth the application for the following 10 reasons. To round out this list, we'll also give you 3 reasons why you might want to look elsewhere ...

Which Do You Like and Why?

Compare Discover It to:

Chase Sapphire Preferred® Card


Intro APR (Purchases)	Intro APR (Balance Transfer)	Regular APR
N/A	N/A	15.99% - 22.99% Variable
Annual Fee
$95

Blue Cash Everyday® Card from American Express



Terms Apply \| Read Review \| See Rates & Fees
Intro APR (Purchases)	Intro APR (Balance Transfer)	Regular APR
0% on Purchases for 15 months	N/A	13.99% - 23.99% Variable
Annual Fee
$0